| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN HOWARD3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $39K | — | $39K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB FLORIDA | 1117 THOMASVILLE RD TALLAHASSEE, FL 32303 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 12099 TALLAHASSEE, FL 32317 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $3K | $25K | 16.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SW 37TH AVE, STE 500 MIAMI, FL 33135 | UNION SECURITY INSURANCE COMPANY | $13K | $1K | $14K | 11.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 179 | $2.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 178 | $128K |
| Vision | UNION SECURITY INSURANCE COMPANY | 178 | $128K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $150K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $150K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $150K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 49 | $715K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.